What is your view of government equity loans for eligible first-time homebuyers?

The government has proposed equity loans to help eligible first-time buyers purchase a home with a smaller mortgage.

Under an equity loan scheme, the government contributes towards the purchase price in exchange for a share of the property's value. The amount repaid can therefore rise or fall with house prices.

Supporters argue such loans could make homeownership more accessible, while critics warn they may increase demand and house prices without addressing the shortage of affordable homes.